Skip to main navigation Skip to main content Skip to footer
  • For Medicare
  • For Providers
  • For Brokers
  • For Employers
  • Search
    Search
    Español
  • For Individuals & Families:
  • For Individuals & Families:
  • Shop for Plans

    Shop for Plans

    • Plans through your employer
    • Learn about the medical, dental, pharmacy, behavioral, and voluntary benefits your employer may offer.
    • Explore coverage through work
  • Log in to myCigna
  • Log in to myCigna
  • Shop for Plans

    Shop for Plans

  • Member Guide
  • Find a Doctor
  • Home Knowledge Center Health Insurance for Students and Young Adults

    Health Insurance for Students and Young Adults

    Tips to get started with the right health insurance plan.

    Whether you're a student or out of school, you're on your own and making choices for yourself. But how do you choose the right health insurance plan ? If you've turned 26,1 you’re no longer covered by your parents' plan. So it's time to choose the plan that’s right for you.

    Wondering where to start? Let's start by looking at the basics of a quality health insurance plan.

    What should I look for?

    • Options. When comparing plans keep in mind the total costs, including premiums as well as out-of-pocket costs.
    • Quality care. You need access to personalized treatment from doctors and hospitals, no matter where you are.
    • Discounted rates. You'll want a range of in-network doctors and hospitals to choose from, so you can take advantage of discounted rates.
    • Annual check-ups and preventive care at no additional cost.2 Preventive care, like your annual exam and screenings, help you stay healthy.
    • Easy-to-use tools. Online tools can help you pick plans and find doctors, and predict your costs.
    • 24/7 service. When you have questions, you'll want access to your claims, as well as health care experts who can answer your questions.

    How can I save money?

    Like most young adults, you're probably just starting out and watching what you spend. The right health insurance plan can help you save money on out-of-pocket costs. When you visit in-network providers, you get access to lower rates that they've negotiated with your health plan. When you see an out-of-network provider, your costs are typically higher. That's why it's important to choose a plan and visit in-network health care providers and hospitals in your area.

    How can I save time?

    You've got better ways to spend your time than thinking about health insurance. It helps to choose a plan with a customized, easy-to-use online website and mobile app, so you can manage your health wherever you are. Get health information, find in-network providers, pay your health insurance premiums, view your health care claims, and print temporary ID cards.

    And when you have a health issue on your mind, you want answers. It helps to have a health information line to call so you can talk to a clinician 24/7 to get information and help finding answers to your health-related questions.

    How can Cigna Healthcare help?

    Cigna HealthcareSM offers plans that are designed to be cost-effective and may be available for young adults like you. Find out about the plans Cigna Healthcare offers:

    Tags

  • Shopping for Coverage
  • Plans are insured by Cigna Health and Life Insurance Company or its affiliates: For Arizona residents, health plans are offered by Cigna Healthcare of Arizona, Inc. For Georgia residents, health plans are offered by Cigna Healthcare of Georgia, Inc. For Illinois residents, health plans are offered by Cigna Healthcare of Illinois, Inc. For North Carolina residents, health plans are offered by Cigna Healthcare of North Carolina, Inc.

    1 Dependent age laws vary by state. View your plan documents for details.

    2 Plans may vary. Includes eligible in-network preventive care services. Some preventive care services may not be covered, including most immunizations for travel. Reference plan documents for a list of covered and non-covered preventive care services.

    I want to...
  • Get an ID card
  • File a claim
  • View my claims and EOBs
  • Check coverage under my plan
  • See prescription drug list
  • Find an in-network doctor, dentist, or facility
  • Find a form
  • Find 1095-B tax form information
  • View the Cigna Healthcare Glossary
  • Contact Cigna Healthcare
  • Audiences
  • Individuals and Families
  • Medicare
  • Employers
  • Brokers
  • Providers
  • Secure Member Sites
  • myCigna member portal
  • Health Care Provider portal
  • Cigna for Employers
  • Client Resource Portal
  • Cigna for Brokers
  • The Cigna Group Information
  • About Cigna Healthcare
  • The Cigna Group
  • Careers
  • Newsroom
  • Investors
  • Suppliers
  • Third Party Administrators
  • International
  • Evernorth Health Services
  • Cigna Healthcare. All rights reserved.
  • Privacy
  • Legal
  • Product Disclosures
  • Company Names
  • Customer Rights
  • Accessibility
  • Non-Discrimination Notice
  • Language Assistance [PDF]
  • Report Fraud
  • Sitemap
  • Cookie Settings
  • Disclaimer

    Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of The Cigna Group Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT); (ii) Life Insurance Company of North America (“LINA”) (Philadelphia, PA); or (iii) New York Life Group Insurance Company of NY (“NYLGICNY”) (New York, NY), formerly known as Cigna Life Insurance Company of New York. The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of The Cigna Group.

    All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna Healthcare sales representative. This website is not intended for residents of New Mexico.

    Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna Healthcare website. Cigna Healthcare may not control the content or links of non-Cigna Healthcare websites. Details